Farm Liability
Overview
The Farm Liability product provides crucial protection in the event someone alleges your farm operations negligently caused property damage or bodily injury, leading to a lawsuit. Proper coverage amounts are determined through a detailed review of all your farm’s activities and exposures.
Key Coverages:
- Legal liability arising from personal actions, farm premises, and operations
- Typically covers the farm operator, spouse, resident children, and employees
Potential Liability Extensions:
- Recreational vehicles (owned/non-owned)
- Watercraft (owned/non-owned)
- Trailers (farm and residential)
- Crop overspray/drift damage
- Fuel/pesticide/manure leakage
- Custom farming operations
- Non-farm business pursuits
- Riding lessons and trail rides
- Roadside stands
Additional Options:
- Umbrella liability for coverage above underlying policy limits
Your broker will have an in-depth discussion with you to identify all potential liability exposures from your unique farm operations. This ensures you have sufficient liability coverage in place to protect the business you’ve worked so hard to build.